| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $4K | $2K | $2K | +155.2% |
| Broker comp per covered life | $26 | $28 | $48 | -7.5% |
| Broker comp % of premium | 0.6% | 2.7% | 4.9% | -2.1 pp |
| Retention rate | 1.8% | 0.3% | 1.0% | +1.5 pp |
| Premium YoY % | — | -7.5% | -4.9% |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CORPORATION3 | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA LIFE INSURANCE CO. | $1.5M | — | $1.5M | 1.59% |
| AON CORPORATION3 | 29840 NETWORK PL CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $907K | — | $907K | 1.00% |
| WELLS FARGO INSURANCE SERVICES USA3 | 600 HWY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO. | — | $150K | $150K | 0.16% |
| MASCHINO HUDELSON AND ASSOCS3 | 4811 GAILLARDIA PKY STE 300 OKLAHOMA CITY, OK 73142 | AETNA LIFE INSURANCE CO. | $78K | — | $78K | 0.09% |
| WELLS FARGO INSURANCE SERVICES USA3 | DEPT 13667 PO BOX 3900 SAB FRANCISCO, CA 94139 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.01% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | BLUE CROSS BLUE SHIELD OF FLORIDA | $244K | — | $244K | 0.36% |
| AON CONSULTING, INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $414K | $264K | $678K | 1.31% |
| WELLS FARGO INS SRVCS USA INC3 | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $584K | $27 | $584K | 1.13% |
| WELLS FARGO INS SERVICES USA INC3 | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $411K | $411K | 0.80% |
| AON CORPORATION3 | 29840 NETWORK PL CHICAGO, IL 606731298 | AETNA HEALTH, INC | $5K | — | $5K | 0.01% |
| AON CONSULTING, INC. - IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 0.05% |
| AON CONSULTING AND INSURANCE3 | 7650 W. COURTNEY CAMPBELL CSWY TAMPA, FL 336071467 | DELTA DENTAL OF CALIFORNIA | $294K | — | $294K | 1.03% |
| AON CONSULTING, INC. - IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.04% |
| AON CONSULTING, INC. (CHICAGO)3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $5K | — | $5K | 0.03% |
| AON CONSULTING INC.3 | 7650 W. COURTNEY CAMPBELL CSWY TAMPA, FL 336071467 | DELTA DENTAL INSURANCE COMPANY | $187K | — | $187K | 1.18% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | HEALTH OPTIONS, INC | $55K | — | $55K | 0.38% |
| AON CONSULTING, INC.(CHICAGO)3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TUFTS INSURANCE COMPANY | $3K | — | $3K | 0.03% |
| AON CONSULTING INC3 | 7650 W. COURTNEY CAMPBELL CSWY TAMPA, FL 336071467 | DELTA DENTAL INSURANCE COMPANY | $131K | — | $131K | 1.19% |
| AON CONSULTING, INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $32K | — | $32K | 0.35% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | — | $2K | 0.03% |
| AON CONSULTING, INC. - IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.06% |
| HEWITT ASSOCIATES LLC3 | 4 OVERLOOK POINT SUITE 40B-2N-3 LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | — | $16K | 0.26% |
| AON CONSULTING, INC - IL3 | P O BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.07% |
| AON CONSULTING,INC. IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 0.11% |
| AON CONSULTING, INC MD3 | 806 TYVOLA ROAD #108 LOCKBOX NO. 905494 CHARLOTTE, NC 28217 | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | $828 | — | $828 | 0.02% |
| AMBROSE ADVISORY SERVICES LLC3 | 100 WOOD AVE STE 208 ISELIN, NJ 088302716 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $12K | $68K | 2.01% |
| AON HEWITT HEALTH & BENEFITS3 | 7650W COURNET CAMPBELL CSWY TAMPA, FL 33607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $43K | — | $43K | 1.29% |
| AON CONSULTING, INC. - IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.06% |
| AON CONSULTING CORPORATION3 | KANSAS CITY P O BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $100K | — | $100K | 4.39% |
| AON CONSULTING, INC. IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.06% |
| AON CONSULTING, INC. - IL3 | P O BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $7 | — | $7 | 0.00% |
| AON CONSULTING3 | 7650 W. COURTNEY CAMPBELL CSWY TAMPA, FL 336071467 | DELTA DENTAL OF CALIFORNIA | $20K | — | $20K | 1.16% |
| AON CONSULTING, INC. - IL3 | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.06% |
| AON CONSULTING INC3 | 7650 W COURTNEY CAMPBELL CAUSEWAY SUITE 1000 TAMPA, FL 33607 | GROUP HEALTH OPTIONS, INC | $2K | — | $2K | 0.12% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY 10TH FLOOR MIAMI, FL 33131 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $575 | — | $575 | 0.05% |
| WELLS FARGO ADVISORS LLC3 | PO BOX 2700 WORCESTER, MA 016132700 | METROPOLITAN LIFE INSURANCE COMPANY | $39 | $27 | $66 | 0.01% |
| WELLS FARGO INS SERVICES USA INC3 | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.01% |
| AON CONSULTIONG, INC. IL3 | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC | $279 | — | $279 | 0.06% |
| AON CONSULTING, INC.-TAMPA, FLORIDA3 | 7650 W. COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $633 | — | $633 | 0.18% |
| TRINET INSURANCE SERVICES3 | 1100 SAN LEANDRO BLVD. SUITE 300 SAN LEANDRO, CA 94577 | HYATT LEGAL PLANS, INC. | $15K | — | $15K | 8.70% |
| WELLS FARGO INS SERVICES USA INC3 | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | HYATT LEGAL PLANS, INC. | $3K | — | $3K | 1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEES OF THE EMPLOYER EIN 95-3359658 EMPLOYEES OF EMPLOYER | Employee (plan sponsor) Service code 35 | — | $1.5M |
| ARMANINO MCKENNA LLP EIN 94-6214841 NONE | Accounting (including auditing) Service code 10 | — | $52K |
| HEXAWARE TECHNOLOGIES LIMITED EIN 59-3792475 NONE | Consulting (general) Service code 16 | — | $14K |
| WELLS FARGO BANK, N.A. EIN 41-6257133 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 156,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,444 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(25 contracts, 16 carriers) | CALIFORNIA PHYSICIANS SERVICE | 123,547 | $789.8M |
| Dental(7 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 216,800 | $202.0M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 123,547 | $100.4M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 216,800 | $55.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 123,547 | $91.1M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 123,547 | $91.1M |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 79,473 | $501.9M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 216,800 | $58.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216,800 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.